clothes are certainly important. even the tiniest spatter of hot oil in the wrong place is like cooking for torquemada.
and don't forget gloves when chopping or cleaning really hot peppers. that's always fun when you rub your eyes or have to go to the bathroom.
however, my worst accident was while cleaning up. i pushed a sponge inside a large wine glass that had a teeny crack in it, and as i twisted the glass shattered in half, slicing off big chunks of skin on either edge of my hand. you could see the white bone of my index finger's knuckle.